THOMAS, Circuit Judge:
This appeal challenges the denial of an Indian Revolving Fund loan application by the Bureau of Indian Affairs ("BIA"). The district court granted the BIA summary judgment, holding that its actions were not arbitrary, capricious or an abuse of discretion. We agree, albeit on a somewhat different ground.
I
Dora Helgeson, the eighty-year-old mother of Kenneth, Gene, and Leon Helgeson (the
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